AU Laksya
AU Small Finance Bank · Checked 2026-10-09
AU Laksya is a paid card focused on shopping rewards, reward points and airport lounge access, charging ₹1,000 annually before GST.
CardIQ editorial view
Our take
AU Laksya is a paid card focused on shopping rewards, reward points and airport lounge access, charging ₹1,000 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 5 reward points per ₹100 on eligible grocery, departmental-store and contactless purchases.
- Up to 8 domestic lounge visits per year, maximum 2 per quarter, subject to current qualification terms.
- 4,000 welcome points or a ₹1,000 voucher require activation and a successful first transaction within 30 days.
Trade-offs to understand
- 2 points per ₹100 on other eligible retail purchases; 1 point per ₹100 on eligible insurance, utilities and telecom.
- Up to 8 domestic lounge visits per year, maximum 2 per quarter, subject to current qualification terms.
- The ₹1,000 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 5 reward points per ₹100 on eligible grocery, departmental-store and contactless purchases valuable enough to clear the fee. Factor in this condition: 2 points per ₹100 on other eligible retail purchases; 1 point per ₹100 on eligible insurance, utilities and telecom.
Compare before deciding
- Apollo SBI Card SELECT — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
- PhonePe SBI Card SELECT BLACK — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
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Benefits, limits and conditions
- 2 points per ₹100 on other eligible retail purchases; 1 point per ₹100 on eligible insurance, utilities and telecom.
- Up to 8 domestic lounge visits per year, maximum 2 per quarter, subject to current qualification terms.
- 4,000 welcome points or a ₹1,000 voucher require activation and a successful first transaction within 30 days.